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[quote=Anonymous]Since so many have the card, I’m sure Chase Sapphire card is great.  That said if a card has a “learning curve” and require a tutorial, I’m not interested.

We have two travel cards- Hilton Honors American Express and United Airlines Chase Visa.  Both have a small annual fee, but easily pay for themselves.

The Hilton card gets us a free night at any Hilton hotel in the world.  We usually save this for a nicer Conrad or Waldorf Astoria property.  It would make no sense to waste the free night on a Hampton Inn.  The Hilton card also gets you automatic gold status, which gets you food credits at certain properties and free breakfast.

The United card gets us free checked bags and a couple lounge passes.  These perks aren’t earth shattering, but the checked bags do pay for card’s annual fee.

For the most part, I use the AMEX Hilton card everyday.  It seems like the points accumulate at a decent rate and I can easily get about 5-7 free nights in a hotel every year.  Using points for hotels seems- at least with Hilton, is really easy and super flexible.  I do accumulate United points too, but at a much slower rate.

Maybe I would get more with Chase Sapphire?  From the outside, it sounds like work, which I guess is what keeps me away.  Also, Reserve has an almost $600 annual fee, which is too much for me to pay.

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